Re: Need help on which cards to apply for

I'm about to be at 20-25% utilization ($32,000 total limits). My personal income is $100,000 (Household is $150,000). My AAoA is 5.8 years. I project my FICO scores will be between 690-710. My current cards are BOA (x2), Cap One (x2), Wells Fargo and various store/gas cards. I want to apply for a few new cards. My list thus far is as follows:

Amex Delta Gold Skymiles

Chase Freedom

Discover More

Chase Marriott Rewards

Do I have a high likelihood of being approved for these cards? If not, can you suggest some others that I would likely be approved for? Also, in what order should I apply for these cards? Is this too many to apply for at once?

I've done a lot of research. I just want to enlist some advice from the pros on the forums. Thanks in advance.

Based on the info you have provided, I'd say you were pretty good to go for any of the cards you've listed excluding the Marriott Rewards. This is a Siggy Card and I don't know if you have experience with cards above 5K. Your utility is a little high so if you have the ability , I'd get it to less then 20% but shouldn't be a problem if at 25% or less. I'd sure like to know if you have any baddies. Also what your true FICO is from MyFICO. With your income, I'm thinking CLs in the 5K range or higher with Chase Freedom and Amex. (The Freedom has lower approval criteria then Marriott Siggy even if approved for a Freedom Siggy). Why the Discover Card? Almost the same rotating catagories as the Freedom card and they are much more conservative then Chase. Also, if you are over the 700 FICO range, you might want to look into the BCE/BCP instead of the Delta unless you travel a lot. $25 a week in Groceries pays for the BCP... Everything else is cake. Just my recommendations with the info provided. Of course, if you have recent baddies, all this goes out the window. Let us know your FICO and payment history for a better recommendation and Good Luck!

I have no baddies and 100% on time payments throughout my credit record. I'm also just conservatively estimating what my scores will be once I get the utilization down. I really don't know for sure.

I like the idea of the Marriott card because I spend about 2-4 nights per year in a Marriott.

My highest limit cards are 2 BOA cards with $5k limits and a Jared card with a $7.6k limit.

Thanks for the suggestions and advice thus far. If you have any further suggestions, please share.

Re: Need help on which cards to apply for

I don't see anything wrong with your util rate. I constantly have a 25-40% util rate because I have to wait to be reimbursed for work expenses. I'd go with the Chase Freedom card because I'm a huge fan of their Ultimate Rewards Mall and transfer of points option with my Sapphire Preferred card.

I'm not sure if you even asked this or not, but my Freedom card has an $8k limit on it and it's a Platinum Visa, not a Signature. I personally don't care because in my 19 years of credit card use I've never called the card's customer service line for "concierge services."

Re: Need help on which cards to apply for

B- Do you have any baddies, or any negatives on your reports? if I were you I'd try to find out what your true scores are right now, as well as do you have any utilization. Because from what I have seen Amex almost always pulls Experian, Chase Pulls Experian, Discover pulls Transunion or Equifax. I think based on your income you have a very good shot for all 4. Just make sure you have no baddies, no negative information, your scores are 700+, and I think you would be all set to go. Amex and Chase tend to like the fact that you have 23 cards reporting to see how you are managing. Good luck. And I have seen some people apply 5+ cards and get approved for all of them. but as always ymmv. For Chase apply at the same time. If I were you, I would apply for all four and see what happens. I happen to have the More card, and here in California, they pulled TU for me. But then again my score was 738 when they pulled it with no negatives or baddies, 6 months of history and 12,000 income as a student. Good luck!

Chase will pull whatever report you want. I had all three frozen, called the backdoor number, and they pulled the one I had unfroze (which was TU).

Do I have a high likelihood of being approved for these cards? If not, can you suggest some others that I would likely be approved for? Also, in what order should I apply for these cards? Is this too many to apply for at once?

I've done a lot of research. I just want to enlist some advice from th

Based on the info you have provided, I'd say you were pretty good to go for any of the cards you've listed excluding the Marriott Rewards. This is a Siggy Card and I don't know if you have experience with cards above 5K. Your utility is a little high so if you have the ability , I'd get it to less then 20% but shouldn't be a problem if at 25% or less. I'd sure like to know if you have any baddies. Also what your true FICO is from MyFICO. With your income, I'm thinking CLs in the 5K range or higher with Chase Freedom and Amex. (The Freedom has lower approval criteria then Marriott Siggy even if approved for a Freedom Siggy). Why the Discover Card? Almost the same rotating catagories as the Freedom card and they are much more conservative then Chase. Also, if you are over the 700 FICO range, you might want to look into the BCE/BCP instead of the Delta unless you travel a lot. $25 a week in Groceries pays for the BCP... Everything else is cake. Just my recommendations with the info provided. Of course, if you have recent baddies, all this goes out the window. Let us know your FICO and payment history for a better recommendation and Good Luck!

I have no baddies and 100% on time payments throughout my credit record. I'm also just conservatively estimating what my scores will be once I get the utilization down. I really don't know for sure.

I like the idea of the Marriott card because I spend about 2-4 nights per year in a Marriott.

My highest limit cards are 2 BOA cards with $5k limits and a Jared card with a $7.6k limit.

Thanks for the suggestions and advice thus far. If you have any further suggestions, please share.

Well- I think you are being very very conservative on your FICO scores with a 5+ year credit history and no baddies and relatively low utility.. Only way that your FICO could be so low is if you have a really high utility or some unknown baddies show up. I'd get my real FICI score from here just to be sure. Well worth the expense to know before you apply. But with all stated and your utility at or below 25%, I think you are sure to be approved for all the cards you listed along with much higher limits then I predicted. I bet you end up with 10K on Freedom and 8K on Delta. At least 5K on Marriott but probably higher depending on which Chase card you app first. Again- this is based on your stated info and guessing your FICO. I'm thinking it's more like 750+.

Re: Need help on which cards to apply for

Ahh Okay thank you heathuhhhhwebbbb. I don't have any of my 3 reports frozen, but I can request them to pull anyone? the only reason why I posted that in my previous post was because from what I had read on the forum , Chase usually pulled Experian in California. But thank you as well for the heads up.

Re: Need help on which cards to apply for

Ahh Okay thank you heathuhhhhwebbbb. I don't have any of my 3 reports frozen, but I can request them to pull anyone? the only reason why I posted that in my previous post was because from what I had read on the forum , Chase usually pulled Experian in California. But thank you as well for the heads up.

I believe so. My accounts are all frozen due to identity theft. I applied and was given the 7-10 day message. So when I called, she said, "You're reports are frozen", so I told her which one I unfroze and she used it.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.